Summit County, Utah loan limits 2026
FIPS 49043 · 10 ZIP codes, e.g. 82930, 84017, 84024, 84033, 84036, 84055 · metro area (CBSA) 25720
In Summit County the 2026 conforming loan limit is $1,150,000 for a single-family home — a high-cost area, 38.1% above the national baseline. The FHA limit is $1,163,800. Anything above $1,150,000 is a jumbo loan.
Does my loan fit?
How much home fits under the limit?
The highest home price you can buy with a loan that still fits the 2026 limit, at that down payment. Your actual budget depends on income, debts, rates and the lender.
Conforming limit in Summit County, 2024–2026
Single-family limit set by the FHFA each year. The 2027 limits are announced in late November 2026 — this page updates automatically.
Loan limits by number of units
| Property | Conforming 2026 | FHA 2026 | Conforming vs. 2025 |
|---|---|---|---|
| 1 unit (single-family) | $1,150,000 | $1,163,800 | 0% |
| 2 units | $1,472,250 | $1,489,900 | 0% |
| 3 units | $1,779,600 | $1,800,950 | 0% |
| 4 units | $2,211,600 | $2,238,150 | 0% |
Conforming limits (FHFA) apply to loans bought by Fannie Mae and Freddie Mac; VA loans with partial entitlement use the same county limit. FHA limits (HUD) cap FHA-insured mortgages. Summit County is in metro area CBSA 25720; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $167,700 · Summit County, UT
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $74,800 | $85,450 | $96,150 | $106,800 | $115,350 | $123,900 | $132,450 | $141,000 |
| Very low income (50%) | $58,700 | $67,100 | $75,500 | $83,850 | $90,600 | $97,300 | $104,000 | $110,700 |
| Extremely low income (30%) | $35,250 | $40,250 | $45,300 | $50,300 | $54,350 | $58,350 | $62,400 | $66,400 |
Used for housing assistance and many down-payment and first-time-buyer programs. Programs set their own rules; check the program you apply to.
Fair market rent FY2027
| Unit | Fair market rent FY2027 | FY2026 | Change |
|---|---|---|---|
| Studio | $1,851/mo | $1,771 | +4.5% |
| 1 bedroom | $1,899/mo | $1,887 | +0.6% |
| 2 bedrooms | $2,153/mo | $2,185 | -1.5% |
| 3 bedrooms | $2,890/mo | $2,958 | -2.3% |
| 4 bedrooms | $3,599/mo | $3,492 | +3.1% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Summit County, UT.
Same metro area
Counties in CBSA 25720 share the same loan limits.
Other counties in Utah
Highest limits first.
Official figures, not a loan offer. Limits come from FHFA and HUD publications. Loanlimitmap.com is an independent site — not a government website and not a lender. Whether you qualify for a loan is decided by your lender; check the current figures with them.
Questions
What is the conforming loan limit in Summit County, UT for 2026?
$1,150,000 for a one-unit property ($1,472,250 for 2 units, $1,779,600 for 3, $2,211,600 for 4), set by the FHFA; it was $1,149,825 in 2025.
What is the FHA loan limit in Summit County?
$1,163,800 for a single-family home in 2026 (HUD), up to $2,238,150 for a four-unit property.
What counts as a jumbo loan in Summit County?
A mortgage above $1,150,000 for a single-family home is a jumbo (non-conforming) loan in Summit County in 2026.
What are the HUD income limits in Summit County?
For a family of four (FY2026): low income $106,800, very low income $83,850, extremely low income $50,300; area median family income $167,700.
What is the fair market rent in Summit County?
$2,153 a month for a two-bedroom unit in FY2027 (HUD), $1,899 for one bedroom.